United Valley Bank
Total assets
$751.6M
▲ +9.3% YoY
Deposits
$628.5M
▲ +8.2% YoY
Loans
$543.9M
▲ +11.7% YoY
Offices
9
FIRST HOLDING CO CAVALIER INC
ROA (annualized)
1.10%
peers 1.28%
ROE (annualized)
10.25%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | United Valley Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.3% | +4.9% | +4.4 pts |
| Deposit growth (YoY) | +8.2% | +4.3% | +3.8 pts |
| Loan growth (YoY) | +11.7% | +5.3% | +6.3 pts |
| ROA | 1.10% | 1.28% | -0.2 pts |
| ROE | 10.3% | 12.4% | -2.2 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
Profile
- Established
- 1905
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FIRST HOLDING CO CAVALIER INC
- Specialization
- Agricultural Specialization
- Address
- 211 Division Ave S, Cavalier, ND, 58220
- County
- Pembina
- Offices
- 9
- FDIC cert #
- 15478
- RSSD ID
- 922559
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $751.6M | $628.5M | $543.9M | $79.2M | $4.0M | 1.10% | 3.63% | 0.10% |
| Q1 2026 | $723.0M | $632.4M | $515.0M | $77.9M | $1.6M | 0.86% | 3.50% | 0.13% |
| Q4 2025 | $722.8M | $609.9M | $508.0M | $77.8M | $9.2M | 1.34% | 3.49% | 0.13% |
| Q3 2025 | $700.4M | $583.3M | $496.6M | $76.1M | $6.9M | 1.36% | 3.48% | 0.13% |
| Q2 2025 | $687.4M | $581.1M | $487.1M | $73.8M | $4.8M | 1.42% | 3.46% | 0.20% |
| Q1 2025 | $672.1M | $594.5M | $470.4M | $70.5M | $1.8M | 1.06% | 3.30% | 1.23% |
| Q4 2024 | $669.9M | $606.0M | $463.7M | $56.9M | $6.4M | 1.00% | 3.24% | 1.19% |
| Q3 2024 | $653.6M | $573.3M | $450.1M | $58.5M | $4.5M | 0.95% | 3.22% | 1.20% |
Loan mix (Q2 2026): real estate $339.4M · commercial $70.3M · consumer $10.0M · securities $116.8M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | United Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 1.28% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 12.4% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.89% | 36th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.8% | 61.2% | 64th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | United Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | United Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | United Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | United Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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